5-bedroom, 3-bath detached split foyer with a fully finished lower level, this extensively renovated Conowingo home delivers a rare luxury experience with designer finishes, custom craftsmanship, and a flexible layout tailored for modern living. Thoughtfully redesigned from top to bottom, the home blends elegance, comfort, and functionality with standout features including a chef’s kitchen, spa-inspired baths, a dramatic fireplace feature wall, and beautifully upgraded outdoor living spaces. Inside, luxury LVP flooring flows throughout the main living areas, while the staircase creates an immediate architectural statement with hardwood steps, natural wood railings, and sleek glass panel surrounds. Designed to impress, the kitchen features custom solid wood cabinetry with soft-close doors and pull-out drawers, a Calacatta tile backsplash, a statement island topped with premium Italian stone, and a high-end appliance package that includes a Wolf range, Cove dishwasher, and additional KitchenAid appliances. The main living area is anchored by a floor-to-ceiling fireplace finished in matching Italian stone, adding warmth and visual impact, while the fully finished lower level offers exceptional versatility with additional bedrooms, a full bath, built-ins, and flexible space for recreation, guests, or work-from-home needs. The primary suite serves as a true spa-inspired retreat, showcasing handcrafted Italian tile and stone, a Pottery Barn vanity, custom glass shower details, and premium fixtures. The hall bath continues the elevated design with a full Italian tile surround, custom cabinetry, LED mirrors with dimmer settings, a towel warmer, massage jets, and a custom glass enclosure. Additional highlights include Mitsubishi smart mini-split systems, two sets of new washers and dryers, solid five-panel doors, modern glass closet doors, a custom California Closet system, Andersen sliding glass doors, a new oversized commercial-strength driveway, stamped concrete front steps, a white vinyl privacy-fenced yard, a new deck just off the kitchen, and a newly built two-story one-car garage. Conveniently located in Conowingo with access to US-1, outdoor recreation, and everyday amenities, 1 Highview Rd presents a rare move-in-ready opportunity with an exceptional level of finish, design, and craftsmanship that is seldom found.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
